Lexus GS 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Lexus GS 350 are $1,320 a year with full coverage. Comprehensive costs approximately $288, collision costs $506, and liability is estimated at $390. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $2,858. Teenage drivers pay the highest rates at $4,896 a year or more.
Average premium for full coverage: $1,320
Price estimates by individual coverage:
Includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all GS 350 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus GS 350 insurance prices go from as low as $438 for your basic liability-only policy to the much higher price of $2,858 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why everyone should get quotes using their specific location and risk profile, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details estimated Lexus GS 350 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $753
- Choosing higher $1,000 deductibles can save $182 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,320
- Using pricier low deductibles for comp and collision coverage will increase the cost to $1,668
- Unlucky drivers who are prone to accidents and violations could pay around $2,858 or more
- The price for full coverage for a teen driver for full coverage can cost $4,896 each year
Auto insurance prices for a Lexus GS 350 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lexus GS 350 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$128 | -9.7% |
| Alaska | $1,012 | -$308 | -23.3% |
| Arizona | $1,094 | -$226 | -17.1% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,504 | $184 | 13.9% |
| Colorado | $1,258 | -$62 | -4.7% |
| Connecticut | $1,356 | $36 | 2.7% |
| Delaware | $1,492 | $172 | 13.0% |
| Florida | $1,648 | $328 | 24.8% |
| Georgia | $1,222 | -$98 | -7.4% |
| Hawaii | $948 | -$372 | -28.2% |
| Idaho | $894 | -$426 | -32.3% |
| Illinois | $982 | -$338 | -25.6% |
| Indiana | $996 | -$324 | -24.5% |
| Iowa | $890 | -$430 | -32.6% |
| Kansas | $1,254 | -$66 | -5.0% |
| Kentucky | $1,800 | $480 | 36.4% |
| Louisiana | $1,952 | $632 | 47.9% |
| Maine | $816 | -$504 | -38.2% |
| Maryland | $1,090 | -$230 | -17.4% |
| Massachusetts | $1,052 | -$268 | -20.3% |
| Michigan | $2,290 | $970 | 73.5% |
| Minnesota | $1,108 | -$212 | -16.1% |
| Mississippi | $1,580 | $260 | 19.7% |
| Missouri | $1,172 | -$148 | -11.2% |
| Montana | $1,418 | $98 | 7.4% |
| Nebraska | $1,038 | -$282 | -21.4% |
| Nevada | $1,582 | $262 | 19.8% |
| New Hampshire | $952 | -$368 | -27.9% |
| New Jersey | $1,474 | $154 | 11.7% |
| New Mexico | $1,168 | -$152 | -11.5% |
| New York | $1,390 | $70 | 5.3% |
| North Carolina | $762 | -$558 | -42.3% |
| North Dakota | $1,082 | -$238 | -18.0% |
| Ohio | $908 | -$412 | -31.2% |
| Oklahoma | $1,354 | $34 | 2.6% |
| Oregon | $1,210 | -$110 | -8.3% |
| Pennsylvania | $1,256 | -$64 | -4.8% |
| Rhode Island | $1,760 | $440 | 33.3% |
| South Carolina | $1,196 | -$124 | -9.4% |
| South Dakota | $1,112 | -$208 | -15.8% |
| Tennessee | $1,154 | -$166 | -12.6% |
| Texas | $1,590 | $270 | 20.5% |
| Utah | $978 | -$342 | -25.9% |
| Vermont | $902 | -$418 | -31.7% |
| Virginia | $790 | -$530 | -40.2% |
| Washington | $1,018 | -$302 | -22.9% |
| West Virginia | $1,210 | -$110 | -8.3% |
| Wisconsin | $912 | -$408 | -30.9% |
| Wyoming | $1,174 | -$146 | -11.1% |
Using high physical damage deductibles can save as much as $530 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. Lexus GS 350 insurance for high-risk drivers ranges as much as 45% to 135% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,288 | $107 |
| Lexus GS 350 AWD | $1,320 | $110 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $326 | $646 | $376 | $1,484 |
| 2019 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2018 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2017 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2016 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
Rates are averaged for all Lexus GS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Lexus GS 350 Insurance
Getting lower rates on car insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a recap of the coverage data raised in the charts and tables above.
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $525 each year
- Drivers age 20 and younger have the highest car insurance prices, costing up to $408 a month if they have full coverage
- Higher risk drivers that have major violations or accidents pay on average $1,540 more per year to buy Lexus GS 350 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,896 |
| 20 | $3,038 |
| 30 | $1,378 |
| 40 | $1,320 |
| 50 | $1,206 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,668 |
| $250 | $1,508 |
| $500 | $1,320 |
| $1,000 | $1,138 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,398 |
| 100/300 | $1,496 |
| 250/500 | $1,749 |
| 100 CSL | $1,437 |
| 300 CSL | $1,652 |
| 500 CSL | $1,808 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,000 |
| 20 | $4,840 |
| 30 | $2,924 |
| 40 | $2,858 |
| 50 | $2,728 |
| 60 | $2,702 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
